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Friday 6 November 2026
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Live Oak Bancshares, Inc.
Live Oak Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.0 billion, up 12.2% from fiscal 2024.
- Revenue
- +17.0%
- EPS
- +1.25%
- Free cash flow
- +92.4%
Quarter to September 2026, against a year earlier
33.81
1.34
−3.81%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
44.97 | 9.17 | 11.48 | 42.24 | 32.73 | 22.56 | 7.55 | 27.02 | 23.04 | 15.33 |
Piotroski F-Score |
2 | 5 | 3 | 3 | 5 | 6 | 4 | 5 | 6 | 7 |
P/S ratio |
4.12 | 3.16 | 2.29 | 2.62 | 5.16 | 7.23 | 1.95 | 2.51 | 1.92 | 1.51 |
P/FCF ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 12.69 | 11.10 | 9.98 |
P/Operating CF |
(13.07) | (27.88) | (4.31) | (5.99) | 84.27 | 260.04 | (3.34) | (7.51) | 35.84 | 22.87 |
P/B ratio |
2.79 | 2.00 | 1.20 | 1.44 | 3.40 | 5.27 | 1.64 | 2.20 | 1.77 | 1.36 |
Price to Tangible BV |
3.63 | 2.27 | 1.33 | 1.54 | 3.62 | 5.53 | 1.70 | 2.33 | 1.88 | 1.43 |
EV/Sales |
2.67 | 2.17 | 1.04 | 1.84 | 4.29 | 6.83 | 1.33 | 1.78 | 1.27 | 0.68 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(1.82) | (2.09) | 42.77 | (1.11) | (6.15) | (29.74) | (3.03) | 7.61 | 7.47 | 4.45 |
EV/FCF |
(1.74) | (1.47) | (2.58) | (1.05) | (6.00) | (33.29) | (2.66) | 8.98 | 7.30 | 4.48 |
Quick Ratio |
0.17 | 0.13 | 0.10 | 0.05 | 0.04 | 0.03 | 0.05 | 0.06 | 0.05 | 0.06 |
Current Ratio |
1.03 | 1.02 | 0.90 | 0.90 | 0.91 | 0.91 | 0.92 | 0.92 | 0.93 | 0.95 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
1.59% | 0.96% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.12 | 0.06 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.11 | 0.12 | 0.08 | 0.07 | 0.06 | 0.06 | 0.08 | 0.08 | 0.08 | 0.07 |
Operating CF/Net income |
(16.11) | (2.86) | 0.12 | (26.76) | (4.38) | (0.72) | (1.71) | 2.50 | 2.02 | 1.54 |
Capex/Depreciation |
(1.31) | (7.12) | (5.56) | (1.28) | (0.27) | 0.46 | (1.73) | (1.32) | 0.16 | (0.03) |
| 6.52% | 30.46% | 11.06% | 3.52% | 10.82% | 26.03% | 23.09% | 8.62% | 8.13% | 9.51% | |
| 0.98% | 4.45% | 1.60% | 0.43% | 0.94% | 2.08% | 1.95% | 0.70% | 0.64% | 0.73% | |
ROIC |
234.77% | 37.43% | 16.98% | 4.95% | 12.19% | 26.40% | 36.27% | 19.05% | 14.22% | 23.07% |
Return on Tangible Assets |
12.70% | 46.31% | (77.87%) | (11.73%) | (14.78%) | (40.99%) | (36.56%) | (13.13%) | (13.17%) | (21.23%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
76.77% | 53.68% | 60.09% | 61.59% | 62.32% | 46.61% | 49.67% | 44.41% | 43.11% | 41.84% |
Intangible Assets out of Total Assets |
0.03 | 0.02 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
8.01% | 3.08% | 3.58% | 3.99% | 9.82% | 5.04% | 3.06% | 2.13% | 2.95% | 2.43% |
Graham Net Nets |
(0.01) | (0.03) | (0.60) | (0.64) | (0.37) | (0.19) | (0.62) | (0.45) | (0.52) | (0.52) |
Graham Number |
7.69 | 26.43 | 18.91 | 11.58 | 21.34 | 37.98 | 40.90 | 27.57 | 29.34 | 35.73 |
Earnings Yield |
2.22% | 10.90% | 8.71% | 2.37% | 3.06% | 4.43% | 13.25% | 3.70% | 4.34% | 6.52% |
Free Cash Flow Yield |
(37.31%) | (47.00%) | (17.56%) | (66.54%) | (13.86%) | (2.84%) | (25.74%) | 7.88% | 9.01% | 10.02% |
Revenue per Share |
4.41 | 7.55 | 6.46 | 7.25 | 9.20 | 12.08 | 15.56 | 17.86 | 20.55 | 22.71 |
Operating CF per Share |
(6.49) | (7.86) | 0.16 | (12.00) | (6.42) | (2.77) | (6.86) | 4.17 | 3.48 | 3.46 |
Capex per Share |
(0.28) | (3.35) | (2.76) | (0.65) | (0.16) | 0.30 | (0.96) | (0.63) | 0.08 | (0.02) |
Free Cash Flow per Share |
(6.77) | (11.21) | (2.60) | (12.65) | (6.58) | (2.48) | (7.81) | 3.53 | 3.56 | 3.44 |
Cash per Share |
7.17 | 8.15 | 8.09 | 5.68 | 7.99 | 4.83 | 9.59 | 13.14 | 13.53 | 18.93 |
Shareholders Equity per Share |
6.52 | 11.94 | 12.32 | 13.24 | 13.96 | 16.57 | 18.49 | 20.35 | 22.30 | 27.44 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
6.52 | 11.94 | 12.32 | 13.24 | 13.96 | 16.57 | 18.49 | 20.35 | 22.30 | 27.44 |
Free Cash Flow |
(231.62) | (410.17) | (104.16) | (508.82) | (267.64) | (106.94) | (342.66) | 156.74 | 160.44 | 157.24 |
Working Capital |
43.82 | 38.25 | (328.59) | (432.85) | (662.01) | (647.64) | (745.27) | (820.54) | (852.40) | (724.49) |
Capital Expenditures |
(9.67) | (122.64) | (110.46) | (26.30) | (6.64) | 12.78 | (41.91) | (28.15) | 3.66 | (1.01) |
Net Current Asset Value |
(3.52) | (23.03) | (354.44) | (486.30) | (711.54) | (715.56) | (821.61) | (890.93) | (918.97) | (814.10) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.06 | 0.44 | 0.43 | 0.09 | 0.02 | (0.02) | 0.06 | 0.04 | 0.00 | 0.00 |
Price to Operating Income |
30.42 | 8.51 | 12.88 | 31.77 | 40.74 | 17.61 | 5.88 | 20.41 | 19.83 | 10.94 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.11 | 0.10 | 0.08 | 0.07 | 0.10 | 0.12 | 0.09 | 0.08 | 0.09 | 0.12 |
Cash ROIC |
(46.70%) | (53.84%) | (12.74%) | (66.86%) | (29.98%) | (11.58%) | (27.82%) | 10.55% | 9.95% | 7.42% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.04 | 0.04 | 0.04 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
37,068.50 | 32,431.64 | 21,054.90 | 17,552.71 | 22,257.38 | 40,291.43 | 27,724.57 | 10,935.02 | 9,834.83 | 10,858.96 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,144.93 | 1,872.67 | 2,704.92 | 3,688.28 | 4,969.90 | 6,412.44 | 7,998.49 | 9,579.97 | 11,017.76 | 12,724.58 |
Average Assets |
1,403.94 | 2,256.87 | 3,214.46 | 4,241.64 | 6,342.57 | 8,042.85 | 9,034.45 | 10,563.46 | 12,107.40 | 14,039.08 |
Average Common Equity |
211.17 | 329.89 | 465.25 | 512.97 | 550.12 | 641.49 | 763.08 | 856.85 | 953.08 | 1,080.67 |
Columns are period end dates · fundamentals updated 5 Nov 2026